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First National Bank of Hereford


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.fnbhereford.com
806-363-2265
301 West Third
Hereford, TX 79045

First National Bank of Hereford is headquartered in HEREFORD and is the 215th largest bank in the state of Texas. It is also the 2,430th largest bank in the nation. It was established in 1999 and as of March of 2025, it had grown to 52 employees at 4 locations. First National Bank of Hereford's money market rates are 5X the national average, and it boasts an A+ health rating.

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Health
A+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #34918
Year Established1999
Employees52
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.81%
Return on Equity - YTD16.87%
Annual Interest Income$5MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$316.4MM$283.2MM
LoansQ1 2025vs Q1 2024$255.5MM$226.6MM
DepositsQ1 2025vs Q1 2024$278.5MM$246.7MM
Equity CapitalQ1 2025vs Q1 2024$34.7MM$25.8MM
Loan Loss AllowanceQ1 2025vs Q1 2024$2.9MM$2.6MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$763K$1.9MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First National Bank of Hereford Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.03%$0$100kReal Saver
1.10%$0-Personal Savings

First National Bank of Hereford Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%*$50k*-Money Market
OTHER TIERS: 1.76% → $1k - $25k | 1.92% → $25k - $50k

First National Bank of Hereford Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.07%*$0$25kReward Checking
OTHER TIERS: 2.27% → $25k+
1.00%*$500k*-NOW Account
OTHER TIERS: 0.70% → $1k - $250k | 0.85% → $250k - $500k

First National Bank of Hereford CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.06%$100k-90 Day Jumbo CD
4.04%$100k-180 Day Jumbo CD
4.04%$1k$100k180 Day CD
4.00%$100k-365 Day Jumbo CD
4.00%$1k$100k365 Day CD
3.91%*$50k*$100k90 Day CD
OTHER TIERS: 3.80% → $1k - $50k
3.82%$100k-30 Day Jumbo CD
3.79%$100k-18 Month Jumbo "Raise Your Rate" CD With Transaction
3.79%$1k$100k18 Month "Raise Your Rate" CD With Transaction
3.60%$100k-60 Day Jumbo CD
3.56%*$50k*$100k30 Day CD
OTHER TIERS: 3.30% → $1k - $50k
3.53%$100k-2 Year Jumbo CD
3.53%$100k-18 Month Jumbo "Raise Your Rate" CD No Transaction
3.53%$1k$100k18 Month "Raise Your Rate" CD No Transaction
3.53%$1k$100k2 Year CD
3.50%*$50k*$100k60 Day CD
OTHER TIERS: 3.45% → $1k - $50k

First National Bank of Hereford IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.04%$100-1 Year IRA
3.53%$100-18 Month IRA
3.53%$100-2 Year IRA
Locations


First National Bank of Hereford Locations
First National Bank Of Hereford301 W 3rd StHereford, TX 79045
North Branch403 N 25 Mile AvenueHereford, TX 79045
Friona Branch710 West 11thFriona, TX 79035

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